Rate and Form Filing Search

Health Rates and Forms

All health rate filings are subject to review to determine if the filings are in compliance with the laws governing rates for health insurance. In addition, if a proposed rate filing includes a rate increase of 10 percent or more, the filing is reviewed to determine whether the increase is reasonable and actuarially justified. The Louisiana Department of Insurance does not have approval authority over health insurance rates.

Health form filings reviewed by the Louisiana Department of Insurance on or after November 15, 2014 are available to review using the form filing search. Note that pursuant to La. R.S. 22:972(D), policy forms for major medical health and accident and dental filings are exempt from disclosure until the commencement of the open enrollment period of the policy year during which the forms are to be used. Thus, certain filings may be unavailable until the open enrollment period begins for a plan year.

Property and Casualty Rates and Forms

The LDI Office of Property and Casualty is charged with reviewing and issuing final dispositions relative to any request for rates, rules and forms for property and casualty insurance sold in Louisiana. The LDI staff reviews rate filings to ensure that proposed rates are not excessive, inadequate or unfairly discriminatory. Each rate filing shall be on file for a waiting period of up to 45 days before it can become effective. A rate filing shall be deemed to have met the requirements unless it is disapproved by the LDI within this 45-day waiting period.

The LDI staff also reviews policy form filings for compliance with the applicable statutes, rules and regulations. No policy form may be sold in Louisiana until it has been approved for use. Each policy form shall be on file for a waiting period of up to 45 days before it can become effective. A form filing shall be deemed to have met the requirements unless it is disapproved by the LDI within this 45-day waiting period.

General information on filings submitted can be found using the following links: